The Bihar Gramin Bank branch at Sadipur is located in Gaya district of Bihar (Pincode 823003). This branch serves retail and rural customers in and around Sadipur town. For electronic fund transfers—NEFT, RTGS and IMPS—you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch in the clearing system. Using the wrong IFSC can delay or misroute payments, so confirm the code before you send funds.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | SADIPUR |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6983 |
| Branch Address | SADIPUR, Gaya, 823003, 7070196983 |
| Contact Number | 7070196983 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 823003 |
| State | Bihar |
Merger update
If this branch was earlier under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the merger and IFSC consolidation. Both UBGB and DBGB branches now operate using the single IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). Old UBGB or DBGB IFSC codes have been revoked. For any fund transfer, use only the new IFSC PUNB0MBGB06. If you have beneficiary records with old UBGB/DBGB IFSC codes, update them before making payments to avoid failed or delayed transfers.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payments.
- First 4 characters = Bank code. Example: PUNB indicates Punjab National Bank.
- 5th character = Reserved and is always 0.
- Last 6 characters = Branch identifier (alphanumeric). Example in this IFSC: MBGB06 is the branch portion of PUNB0MBGB06.
How to use the IFSC code for NEFT, RTGS and IMPS
- Open your bank’s online banking or mobile banking app and go to the “Funds Transfer” or “Add Beneficiary” section.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS are also available round-the-clock, though RTGS is typically used for higher-value transfers.)
- Enter beneficiary details: name, account number, and the IFSC code PUNB0MBGB06. Also enter branch name (SADIPUR, Gaya) if requested.
- Double-check the account number and IFSC. A mismatch can delay or misroute funds.
- Enter amount and purpose, then authorize using OTP, UPI PIN or netbanking credentials as required.
- Note the transaction reference or UTR number. Keep it until the beneficiary confirms receipt.
Benefits of knowing the correct IFSC
- Ensures funds reach the intended branch and account without delay.
- Required for all electronic transfers (NEFT, RTGS, IMPS) and for receiving salary, refunds or government payments.
- Helps bank staff and customers verify branch identity when reconciling transactions.
- Prevents failed transfers, returns and extra follow-up calls that cost time.
- Useful when filling forms that require branch identification, like loan or KYC documents.
Contact
Branch phone no: 7070196983
Branch Address: SADIPUR, Gaya, 823003, 7070196983
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC to use for Sadipur branch?
A: Yes. Use PUNB0MBGB06 for electronic transfers to the Sadipur branch. Old UBGB/DBGB IFSCs are revoked; only the new code is valid.
Q: What details do I need besides IFSC for a transfer?
A: You need the beneficiary name exactly as on the bank account, the account number, IFSC (PUNB0MBGB06), and sometimes the branch name and purpose of payment.
Q: What happens if I enter the wrong IFSC?
A: If the wrong IFSC points to a valid different branch, the transfer may go to that branch and could be hard to recover. If the IFSC does not exist, the transfer will usually be rejected and funds returned. For large or critical payments, verify IFSC with the branch before sending.
Q: Can I use IMPS/NEFT/RTGS at any time?
A: IMPS is available 24×7 and is instant. NEFT and RTGS are also available round-the-clock; RTGS is typically used for large-value payments. Check with your bank for any maintenance windows.
Q: How long does a transfer take to reach the Sadipur branch?
A: IMPS is immediate. NEFT and RTGS process quickly—often within minutes—given modern 24×7 settlement. Final credit times can vary by bank processing and verification, so keep the UTR/reference until confirmation.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.